But claiming a package of pension credit, housing benefit and council tax discounts could give them an extra £1,716 a year.

Pension specialist Ros Altmann yesterday urged retirees to make sure they get what they deserve.

She said: “These people built Britain into the country it is today, they worked hard, earned the money and have contributed into the tax system – they should not scrape by on a pittance when there is money there they can use.”

The former Government adviser added: “Women, especially, have very small incomes and after having given so much to society, should not feel ashamed or embarrassed by asking for what they are entitled to.”

A new report, commissioned by Age UK, found one in 10 pensioners would not be able to pay an unexpected £200 bill.

"One in four over-65s feels worse off than they did last year and a third are worried about the cost of living.

Age UK spokeswoman Caroline Abrahams said: “Managing on a low, fixed income is really tough, and many people face a daily struggle just to afford the basics.